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Retirement taxes by state

Where you live in retirement can matter as much as what you saved. Pick a state to see how it taxes Social Security, pensions and retirement account withdrawals.

Compare your own tax in every stateEnter your Social Security, pension and IRA income and see what each state would take in 2026.
Alabama: Partly taxedAlaska: No state income taxArizona: Mostly taxedColorado: Partly taxedFlorida: No state income taxGeorgia: Partly taxedIndiana: Mostly taxedKansas: Partly taxedMaine: Partly taxedMassachusetts: Partly taxedMinnesota: Mostly taxedNew Jersey: Partly taxedNorth Carolina: Partly taxedNorth Dakota: Mostly taxedOklahoma: Partly taxedPennsylvania: Retirement income exemptSouth Dakota: No state income taxTexas: No state income taxWyoming: No state income taxConnecticut: Partly taxedMissouri: Partly taxedWest Virginia: Partly taxedIllinois: Retirement income exemptNew Mexico: Mostly taxedArkansas: Partly taxedCalifornia: Mostly taxedDelaware: Partly taxedHawaii: Partly taxedIowa: Retirement income exemptKentucky: Partly taxedMaryland: Partly taxedMichigan: Partly taxedMississippi: Retirement income exemptMontana: Mostly taxedNew Hampshire: No state income taxNew York: Partly taxedOhio: Mostly taxedOregon: Mostly taxedTennessee: No state income taxUtah: Mostly taxedVirginia: Partly taxedWashington: No state income taxWisconsin: Partly taxedNebraska: Mostly taxedSouth Carolina: Partly taxedIdaho: Mostly taxedNevada: No state income taxVermont: Mostly taxedLouisiana: Partly taxedRhode Island: Partly taxed
No state income taxRetirement income exemptPartly taxedMostly taxed
StateSocial SecurityPensions401(k) and IRA
AlabamaNot taxedNot taxed (traditional pensions)Partly exempt at 65+
AlaskaNot taxedNot taxedNot taxed
ArizonaNot taxedTaxed ($2,500 off public pensions)Taxed
ArkansasNot taxedFirst $6,000 exemptFirst $6,000 exempt (shared)
CaliforniaNot taxedTaxedTaxed
ColoradoNot taxed at 65+$20,000–$24,000 exempt at 55+Counts toward the same exclusion
ConnecticutNot taxed under $75k/$100kNot taxed under $75k/$100kNot taxed under $75k/$100k
DelawareNot taxed$12,500 exempt at 60+Shares the $12,500 exclusion
FloridaNot taxedNot taxedNot taxed
GeorgiaNot taxed$35,000–$65,000 exempt at 62+Counts toward the same exclusion
HawaiiNot taxedEmployer-funded pensions not taxedTaxed
IdahoNot taxedTaxed (some public safety exempt)Taxed
IllinoisNot taxedNot taxedNot taxed
IndianaNot taxedTaxedTaxed
IowaNot taxedNot taxed at 55+Not taxed at 55+
KansasNot taxedKansas public and federal pensions not taxedTaxed
KentuckyNot taxedFirst $31,110 exemptCounts toward the same exclusion
LouisianaNot taxedLouisiana public and federal pensions not taxed$12,000 exempt at 65+
MaineNot taxedLarge deduction, reduced by Social SecurityCounts toward the same deduction
MarylandNot taxedUp to $40,600 exempt at 65+401(k) counts; IRAs taxed
MassachusettsNot taxedMassachusetts and federal pensions not taxedTaxed (above your own contributions)
MichiganNot taxedMostly exempt up to a capCounts toward the same cap
MinnesotaNot taxed at moderate incomesTaxed (non-Social Security service partly exempt)Taxed
MississippiNot taxedNot taxedNot taxed once retired
MissouriNot taxed at 62+Public pensions mostly exempt$6,000 exempt, income-limited
MontanaTaxed like federalTaxedTaxed
NebraskaNot taxedTaxed (military exempt)Taxed
NevadaNot taxedNot taxedNot taxed
New HampshireNot taxedNot taxedNot taxed
New JerseyNot taxedExempt up to $100k at 62+, income-limitedShares the pension exclusion
New MexicoNot taxed under income limitsTaxedTaxed
New YorkNot taxedNY public and federal exempt; $20,000 for others$20,000 exclusion at 59½
North CarolinaNot taxedTaxed, except Bailey-protectedTaxed
North DakotaNot taxedTaxed (military exempt)Taxed
OhioNot taxedTaxed, small creditsTaxed
OklahomaNot taxed$10,000 exempt per person$10,000 exclusion shared
OregonNot taxedTaxedTaxed
PennsylvaniaNot taxedNot taxed after retirement ageNot taxed after 59½ or retirement
Rhode IslandNot taxed under income limits$50,000 exempt at full retirement ageTaxed (pensions and annuities only)
South CarolinaNot taxed$3,000 deduction, $10,000 at 65+Shares the retirement deduction
South DakotaNot taxedNot taxedNot taxed
TennesseeNot taxedNot taxedNot taxed
TexasNot taxedNot taxedNot taxed
UtahTaxed, offset by a creditTaxed, small creditTaxed
VermontNot taxed under income limitsTaxed, $10,000 for some public pensionsTaxed
VirginiaNot taxedTaxed, $12,000 age deductionTaxed, $12,000 age deduction
WashingtonNot taxedNot taxedNot taxed
West VirginiaNot taxed from 2026Police/fire exempt; $2,000 for PERS/TRSTaxed, $8,000 at 65+
WisconsinNot taxed$24,000 subtraction at 67+Shares the $24,000 subtraction
WyomingNot taxedNot taxedNot taxed

All 50 states, each checked against the state’s own revenue department or statute. Rules shown are for 2025 and 2026 returns.

Three kinds of retirement income, three different answers

States rarely treat all retirement income the same way. Most no longer tax Social Security at all. Pensions are a mixed picture: many states exempt their own public pensions, some exempt all pensions, and some tax them like wages. Withdrawals from 401(k), 403(b), 457(b) and IRA accounts are the most likely to be taxed, often with an age-based exclusion.

That is why the best state for a retired teacher with a large pension can be different from the best state for a retiree living on IRA withdrawals. Check each line that applies to you.

Moving in retirement

Federal law bars a state from taxing the pension income of people who no longer live there. If you retire from a Texas or California system and move to Illinois, only Illinois rules apply to your pension. The same protection covers most payments from 401(k), 403(b) and 457(b) plans and IRAs.

Income tax is only one piece. States with no income tax often lean harder on property and sales taxes, so compare the whole picture before you move. Our guide to state taxes on public pensions covers the main patterns.